Get the best loan for the home you want with REAL mortgage advice! I'm Viral "Vic" Joshi, licensed real estate agent and independent California home loan broker (NMLS #244388, DRE #01242935) with C2 Financial Corp for 20+ years. I spend generous time with all buyers — first time, veterans, self-employed, conventional, FHA, USDA, jumbo, refinance, reverse mortgage, and investors to help them make good decisions. Don't become a cog in some bank's profit-making machine! Call me at 510-655-2868.